*Buy Your Next Home with a Zero Money Down Payment.

Stop Renting and Start Building Your Own Personal Wealth.

Why Choose Us

Program Qualifications

Up to 100% Financing

Primary Residence Only

Not Required to be first-time homebuyer

Down Payment Assistance in the Form of 2nd Mortgage

No Income Restrictions

Home Buyer Education Required for all Borrowers

Credit Score as low as 600

WE’RE TRANSPARENT

Get the answers to all of your questions to your home buying needs. Let us show you how to be a homeowner with little to no money out of your pocket.

WE’RE HELPFUL

We will help you navigate the home buying process. Work to get you your pre approval and work with your agent to get you in the best loan possible to fit your needs.

See if you qualify for this program today

Our Story

Novus Home Mortgage is proud to be a division of Ixonia Bank, a locally owned institution that has been a cornerstone of the community since 1918. Our association with Ixonia Bank provides the stability and trust that come with a long-standing, reputable financial institution.

This stable bank ownership means you can count on us for reliable and consistent service, supported by over a century of banking experience. With local ownership, we are deeply invested in the communities we serve, ensuring that our commitment to your financial well-being is rooted in a legacy of trust and excellence.

At Novus, our mission is to prioritize your homeownership journey. We understand the challenges and complexities of securing a mortgage, which is why we focus on transparency and clear communication.

Our team provides personalized guidance, ensuring you feel informed and supported every step of the way.

Member FDIC. Equal Housing Lender. Novus Home Mortgage is a division of Ixonia Bank, NMLS #423065

Grow & Protect

Your Wealth

Novus Home Mortgage's Zero Down Loan program gives borrowers down payment assistance on FHA loans, allowing you to receive up to 100% financing on your new home.

Novus Home Mortgage has various programs to fit almost anyone's needs. Talk to us about any of our products such as Bank Statement Loans to Doctor Loans to Investment Loans. We are here to help find you the perfect solution to fit your needs.

Check Out Some of Our Other Products

*Zero Down Home Loan

Up to 100% Financing Not Required to be first-time homebuyer

Primary Residence Only

No Income Restrictions

Down Payment Assistance in the Form of 2nd Mortgage

Home Buyer Education Required for all Borrowers

Credit Score as low as 600

USDA Loan

**No Down Payment Required

Not Limited to First time Homebuyers

Household members must not earn more than 115% of area median income

**available to qualified buyers

***VA Loan

No Down Payment
Discounted Bank Fees
No Private Mortgage Insurance

Proud Supporter of the American Dream!!

Federal Home Loan Bank

Up to $ 7,500.00 to help you achieve homeownership. First Time Home Buyers and Repeat Homebuyers are allowed. Low out of pocket $1,000.00 minimum expense towards your home purchase

DSCR - Investor Cash Flow Loan

Our Debt Service Coverage Ratio (DSCR) program focuses on the property cash flow, so no other income documents are required.

Up to 80% LTV

Available for 5-8 Unit Properties

Manufactured Home Loan

620 Minimum Credit Score
Greater than 400 Square Feet
Home must have been on site for 12 months prior to loan
Purchase, Rate and Term Cash Out Refinance

Frequently Asked Question

What is Zero Down Payment?

When you have a down payment of $0.00 on the purchase of your new home

How Long does it take to find out if I Qualify?

Each borrower is different and is a case by case basis but in most cases you will have an initial pre approval within 24 hours

Am I required to pay anything to find out if I qualify?

Initially No, There is no fee for trying to qualify for one of our products

Can I contact Someone Directly?

Yes, We would enjoy and encourage contacting us directly.

Contact us to see how

we can save or grow

your money

Quick Links

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Contact Us

David Elkins

(910)539-2101

[email protected]

NMLS ID#450162

845 Church Street North Suite # 310

Concord, NC 28025

Loan approval and terms are dependent upon borrower’s credit, documented ability to repay, acceptability of collateral property, and underwriting criteria. *Zero Down Loan is a loan program offering 96.5% financing for the first mortgage and up to 3.5% financing for down payment assistance in the form of a second mortgage. Zero Down Loan is available in all states where Novus Home Mortgage, a division of Ixonia Bank NMLS ID 423065 is eligible to do business, except Massachusetts and Washington State. USDA loans have location restrictions and income limits. For more information on RD loans, including RD eligibility, please visit
**https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp.
Novus Home Mortgage is not affiliated with or acting on behalf of or at the direction of the USDA or the Federal Government.

***VA.gov | Veterans Affairs Apply for and manage the VA benefits and services you’ve earned as a Veteran, Service member, or family member—like health care, disability, education, and more.